Institution Statistics
| Metro United Bank | | FDIC Certificate # | 33401 | | BankRate Report | View | | Year Established | 1991 | | Employees | 59 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $395.98 million | | Loans | $293.97 million | | Deposits | $334.00 million | | Equity Capital | $60.99 million | | Loan Loss Allowance | $7.16 million | | Unbacked Noncurrent Loans | $15.04 million | | Real Estate Owned | $2.31 million |
Historic Data - March 2011 | | Assets | $412.99 million | | Equity Capital | $62.14 million | | Loan Loss Allowance | $8.07 million | | Unbacked Noncurrent Loans | $19.62 million | | Real Estate Owned | $2.22 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.62% | | Return on Assets | 0.59% | | Return on Equity | 3.84% | | Interest Income | $3.98 million |
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Institution Health
Overall Score:
4 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Metro United Bank had $17.35 million in non-current loans and owned real-estate with $68.14 million in equity and loan loss allowances on hand to cover it. This gives Metro United Bank a Texas Ratio of 25.46% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Metro United Bank decreased slightly from 31.11% as of March 31, 2011 to 25.46% as of March 31, 2012, resulting in a positive change of 18.14%.This indicates that the balance sheet and financial strength for Metro United Bank has improved slightly in recent periods. | | Deposit Growth | | | In the past year, Metro United Bank has increased its total deposits by $13.78 million, resulting in 4.3% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Metro United Bank has shown is above average. | | Capitalization |  | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Metro United Bank has $395.98 million in assets with $68.14 million in equity, resulting in a capitalization level of 17.21%, which is excellent. |
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